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  1. 768 so down about 6 pts which is great. I thought it would tank based on my decreased AoAA and the 7 INQs I've racked up with the 11 new lines of revolving credit I racked up in the last month. The decrease on CreditKarma was much greater. Which once again shows that FACOs are terrible indicators of your FICO.
  2. It's OK. They absolutely don't unsecure. The customer service people are quite nice. I was very happy they agreed to the good will removal. The card was simply to build credit for me and came in handy when I needed to rent a car. No rewards so I only use the card now to keep it active - which I don't think I need to realy worry about since it's a secured card.
  3. OK, so this is so weird. I'm on the phone with Macy's because I applied and was approved for a CC over two months ago but STILL haven't received the card. So I'm on the phone and I found out that I've got a $1k Macy's CL AND a $3k Macy's Amex CL. So there you go. Weird.
  4. Congratulations and thanks for posting this. Tobyhanna is now on my list and I'll be applying when my TU INQs fall off.
  5. So I signed up for free FICO with DCU a couple of weeks ago and still haven't gotten my score. Are they just toying with me? I've read that the FICO is supposed to show up in your inbox but as of yet, nothing. Does the score report once per month at the same time for everyone or is it different for each member depending on when they signed up - anybody know?
  6. Congrats and great job on your utilization. Thanks There's no doubt that the additional CLs have helped tremendously with that. I think a lot of people struggling with their credit don't realize how much of an impact having a low utilization makes in your scores. It's nice to be able to charge all my monthly expenses, get cash back, and still keep my utilization under 3%.
  7. Thanks! I'll be holding off on applying for anymore until my INQs are down to 1 again. Next on my list are Tobyhanna and DCU.
  8. bravegirl


    New York
  9. OK, this is HILARIOUS! And an unexpected pleasant surprise. I just got a Zappos Visa in the mail with a CL of $4,000. I remember applying but got the 10 day message so I though that was a no-go. It's a CHASE card! Chase has hated me up until now. What do you know about that?
  10. So, FINALLY! The Capital Bank 30-day late has been removed from EQ. It was RE-removed from TU and has stayed off EX so my only negative left is a single paid charge off that's reporting on EX and EQ. Still waiting on the NYAG for their response.
  11. Congratulations! I'm waiting 6 months for my next apping spree. I'll be applying for this CC FIRST!
  12. So EUREKA! It took a 3-way phone call with EQ and the kind credit lady from Capital Bank to get EQ to comply with the law and delete the 30-day late from my report. Finally! Boo CFPB for their BS process that doesn't require a legitimate investigation as a first step. Tried the same with TU but they refused to speak to the two of us on the same line. Incredible. The credit lady from Capital Bank called back to let me know that it looked likely the TU rep knew what she was doing and would delete the item. I haven't looked at EX yet but now I'm beginning to wonder if it got added back to
  13. Still battling with EQ over the deleted 30-day late from Capital Bank. And this morning I woke up to find the 30-day late had been added BACK onto TU !!!! (Which, by the way, dropped my CK score by 20 points.) Argh! Called Capital Bank and was told that absolutely the 30-day late is not in their system. I'm really frustrated at this point because someone is lying. Cap Bank told me they needed to see a copy of my most current EQ report and so I thought I'd attempt to get a free report by being turned down for a Barclay's card but lo and behold, when I applied for the Barclay's card I wa
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